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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $924,201 | $160,040+477.5% | $147,096+528.3% | $145,877+533.5% |
| Participation rate | 46.2% | 84.0%-37.9pp | 82.2%-36.0pp | 80.3%-34.1pp |
| Annual return | 11.11% | 98.49%-87.4pp | 419.75%-408.6pp | 551.28%-540.2pp |
| Employer contribution / active EE | $29,818 | $5,289+463.7% | $4,936+504.1% | $4,663+539.5% |
| Participant deferral / active EE | $3,000 | $8,429-64.4% | $8,071-62.8% | $6,691-55.2% |
| Admin fee / account holder | $12,295 | $15,050-18.3% | $13,005-5.5% | $13,402-8.3% |